AnnualCreditReport.com is the official site to get your free annual credit reports. This right is guaranteed by Federal law. You can verify this is the official site by visiting the CFPB's website.
Don't be fooled by look-alike sites. You can be sure that you are on the right site if you type www.AnnualCreditReport.com in your browser address line. Don't come to this site by clicking on a link in another site or in an email.
This site is maintained by Central Source, LLC. Central Source, LLC is sponsored by Equifax, Experian and TransUnion so you have a single site where you can ask for all three of your free credit reports.
Equifax is a global information solutions company that uses trusted unique data, innovative analytics, technology and industry expertise to power organizations and individuals around the world by transforming knowledge into insights that help make more informed business and personal decisions. The company organizes, assimilates and analyzes data on more than 820 million consumers and more than 91 million businesses worldwide, and its database includes employee data contributed from more than 7,100 employers.
Headquartered in Atlanta, Ga., Equifax operates or has investments in 24 countries in North America, Central and South America, Europe and the Asia Pacific region. It is a member of Standard & Poor's (S&P) 500® Index, and its common stock is traded on the New York Stock Exchange (NYSE) under the symbol EFX. Equifax employs approximately 9,500 employees worldwide.
Return to Top
Experian is the leading global information services company, providing data and analytical tools to clients around the world. The Group helps businesses to manage credit risk, prevent fraud, target marketing offers and automate decision making. Experian also helps individuals to check their credit report and credit score, and protect against identity theft.
Experian plc is listed on the London Stock Exchange (EXPN) and is a constituent of the FTSE 100 index. Total revenue for the year ended 31 March 2012 was US$4.5 billion. Experian employs approximately 17,000 people in 44 countries and has its corporate headquarters in Dublin, Ireland, with operational headquarters in Nottingham, UK; California, US; and São Paulo, Brazil.
For more information, please visit www.experianplc.com.
Return to Top
TransUnion:
Achieve more with TransUnion
TransUnion is a global leader in credit information and information management services. For more than 45 years, we've worked with businesses and consumers to gather, analyze and deliver the critical information needed to build strong economies throughout the world. The result is two-fold:
- 1) Businesses can better manage risk and customer relationships
- 2) Consumers can better understand and manage credit to achieve their financial goals
Our dedicated associates provide solutions to approximately 45,000 businesses and approximately 500 million consumers worldwide.
Learn more about how we create advantages for our customers every day at www.transunion.com.
Return to Top
FAQs
AnnualCreditReport.com is the official site to get your free annual credit reports. This right is guaranteed by Federal law. You can verify this is the official site by visiting the CFPB's website. Don't be fooled by look-alike sites.
Is it safe to provide my Social Security Number to annual creditreport com? ›
Is it safe to provide my Social Security Number to AnnualCreditReport.com? Yes. The site's security protocols and measures protect the personal information you provide. You must enter your Social Security Number to receive a free credit report through AnnualCreditReport.com.
Is Annual Credit Report really free? ›
You have the right to request one free copy of your credit report each year from each of the three major consumer reporting companies (Equifax, Experian and TransUnion) by visiting AnnualCreditReport.com. You may also be able to view free reports more frequently online.
What is the legitimate credit report website? ›
AnnualCreditReport.com is the only official site explicitly directed by Federal law to provide them.
What is considered an excellent credit score? ›
What are the full credit score ranges?
| FICO Credit Score Ranges | |
|---|
| Excellent/Exceptional | 800-850 |
| Very good | 740-799 |
| Good | 670-739 |
| Fair | 580-669 |
1 more rowApr 2, 2024
No, checking your credit report does not hurt your credit. And checking your credit score doesn't hurt your credit either. These actions are considered "soft pulls" which don't affect your credit score.
Is giving the last 4 digits of SSN safe? ›
Be careful when giving people the last four digits of your number. Sometimes people will ask for the last four digits of your Social Security number. Be sure to keep those numbers safe because they're unique to you. Dishonest people can find out the other numbers in your Social Security number, but not the last four.
Do I have to give my Social Security number to get a credit report? ›
U.S-based financial institutions keep credit reporting information and can report them to the major credit bureaus. With no SSN, you can either use your passport, Individual Taxpayer Identification Number (ITIN), or a government-issued identification number.
Will an annual credit report hurt my score? ›
No, requesting your credit report does not hurt your credit score. You can check your credit at no charge at annualcreditreport.com . You can review your credit report online for free once a week, from each of the three nationwide consumer reporting companies (Equifax, Experian, and TransUnion).
What is the most popular credit score? ›
While FICO Score 8 is the most common, mortgage lenders might use FICO Score 2, 4 or 5. Auto lenders often use one of the FICO Auto Scores. And credit card lenders can use the FICO Bankcard Scores.
Online: If you request your report at AnnualCreditReport.com , you should be able to access it immediately. Phone: If you order your report by calling (877) 322-8228, your report will be processed and mailed to you within 15 days.
How do I get my actual credit score for free? ›
Use a credit score service or free credit scoring site.
You're entitled to a free copy of your credit reports every 12 months from each of the three nationwide credit bureaus by visiting www.annualcreditreport.com.
How many times can you check your credit score without hurting your credit? ›
You can check your credit score as often as you want without hurting your credit, and it's a good idea to do so regularly. At the very minimum, it's a good idea to check before applying for credit, whether it's a home loan, auto loan, credit card or something else.
What is the most trusted site for credit score? ›
Credit score in India is provided four credit bureaus namely, Equifax, Experian™, CIBIL™ and CRIF Highmark™ which ranges between 300 to 900. The awareness about the concept of 'Credit Score' is on rise in recent times as more and more Indian population look up to banks for financial assistance.
What is the best way to check your credit score? ›
There are a few main ways to get your credit scores.
- Check your credit card or other loan statement. Many major credit card companies and other lenders provide credit scores for their customers. ...
- Talk to a nonprofit counselor. ...
- Use a credit score service.
You can get a free report once every 12 months from each of the three nationwide consumer credit reporting companies through AnnualCreditReport.com. You can request all three of your reports at once, or you can space them out over the course of the year.
What is the best website to keep track of credit score? ›
What Is the Best Site to Get Your Free Credit Score? Generally, Credit Karma is the overall best site in terms of getting free credit scores and free credit reports.
Is it safe to give my SSN to Experian? ›
Is Your Information Secure with Experian? Experian prides itself on providing exceptional service without compromising the personal information of its customers. The privacy policy outlines how information is used and how the credit reporting agency complies with both legal requirements and consumers' expectations.
Do credit bureaus have your social security number? ›
This information includes your Social Security number, your name, your date of birth, your address, and your employment history. While a Social Security number is a common identifier that credit bureaus use to locate and collect your information, it's only one of several identifiers.
